Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
2x
Transit
2x
Gas
2x
Where it wins:
Stated credits ($620/yr) cover the $150 annual fee on their own — rewards earn on top.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
2X on United purchases
2X at gas stations, dining (including eligible delivery services), office supply stores, and on local transit and commuting, including ride share services, taxicabs, train tickets, tolls and mass transit
1X on all other purchases
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseUnited Airlines2×
- Transit2×
- Everything elseOffice Supply Stores2×
- Gas2×
- Dining2×
- Everything elseAll Purchases1×
Welcome offer
90,000 points
- Spend $5,000 in 90 days
- Est. value: $900 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- United travel credit$125/yr
Receive $125 in United TravelBank cash after making 5 United flight purchases of $100 or more each calendar year.
- United Hotels credits$100/yr
Receive $50 back as a statement credit on your first and second prepaid hotel stays purchased directly through United Hotels each anniversary year.
- Avis or Budget car rental credit$50/yr
Receive $25 in United TravelBank cash for your first and second Avis or Budget car rental booked directly through MileagePlus Travel each anniversary year.
- JSX flights credit$100/yr
Get up to $100 back as a statement credit each anniversary year on flights booked directly with JSX.
- FareLock purchase credit$25/yr
Earn up to a $25 statement credit each anniversary year on FareLock purchases for United or United Express flights.
- Rideshare credit$100/yr
Enroll to receive statement credits on rideshare purchases: up to $8/month from Jan-Nov and up to $12 in Dec.
- Instacart credits$120/yr
Receive a $10 Instacart credit monthly for purchases made directly through Instacart. Benefits end 12/31/27.
Benefits
- United Club one-time passes$2/yr
Receive 2 United Club one-time passes each year, an over $100 value.
- United travel credit$125/yr
Receive $125 in United TravelBank cash after making 5 United flight purchases of $100 or more each calendar year.
- United Hotels credits$100/yr
Receive $50 back as a statement credit on your first and second prepaid hotel stays purchased directly through United Hotels each anniversary year.
- Avis or Budget car rental credit$50/yr
Receive $25 in United TravelBank cash for your first and second Avis or Budget car rental booked directly through MileagePlus Travel each anniversary year.
- JSX flights credit$100/yr
Get up to $100 back as a statement credit each anniversary year on flights booked directly with JSX.
- FareLock purchase credit$25/yr
Earn up to a $25 statement credit each anniversary year on FareLock purchases for United or United Express flights.
- Free first checked bag$200/yr
The primary Cardmember and one companion on the same reservation can each check a first standard bag for free on United-operated flights.
- Economy Plus seat upgrades$2/yr
Earn 2 continental U.S. Economy Plus seat upgrades after spending $25,000 on purchases each calendar year.
- Priority Boarding
The primary Cardmember and companions on the same reservation receive Group 2 priority boarding on United-operated flights.
- In-flight & Club purchase rebate$25/yr
Get 25% back as a statement credit on food, beverages, and Wi-Fi on United flights, and on premium drinks at United Clubs.
- No foreign transaction fees
- Award flight discount
Save 10% or more when booking United award flights with miles.
- Rideshare credit$100/yr
Enroll to receive statement credits on rideshare purchases: up to $8/month from Jan-Nov and up to $12 in Dec.
- Instacart credits$120/yr
Receive a $10 Instacart credit monthly for purchases made directly through Instacart. Benefits end 12/31/27.
- Auto Rental Collision Damage Waiver
Primary coverage for business rentals, providing reimbursement up to $60,000 for theft and collision damage.
- Baggage Delay Insurance
Reimburses up to $100 a day for up to 3 days for essential purchases if baggage is delayed over 6 hours.
- Lost Luggage Reimbursement
Reimbursement up to $3,000 per traveler for lost, damaged, or stolen baggage.
- Trip Cancellation/Interruption Insurance
Up to $1,500 per traveler and $6,000 per trip for pre-paid, non-refundable fares if your trip is canceled or cut short for covered reasons.
- Trip Delay Reimbursement
Up to $500 per traveler for unreimbursed expenses like meals and lodging if your travel is delayed more than 12 hours.
- Purchase Protection
Covers new purchases for 120 days against damage or theft up to $10,000 per item.
- Extended Warranty Protection
Extends U.S. manufacturer's warranties of three years or less by an additional year.
- Earn Premier Qualifying Points (PQP)
Earn 1 PQP for every $20 spent, up to 4,000 PQP in a calendar year, which can be applied toward Premier status qualification.
- Complimentary Instacart+ Membership$3/yr
Get 3 months of complimentary Instacart+ membership, then receive 25% off the annual rate. Benefits end 12/31/27.
- No additional cost for employee cards
- Visa Concierge Service
Complimentary Visa Signature Concierge Service 24 hours a day.
- Anniversary bonus miles
Receive 5,000 bonus miles each anniversary when you also hold a personal Chase United credit card.
Insurance cover and point awards list by name only. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so they stay out of the totals.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $150 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.
